How to rebalance cross different accounts (401k, Roth)?

[neil]

Since my company does not offer brokerage window in 401k, I am thinking about build separate assets in different accounts.

But the question is how to rebalance the whole portfolio?

For example, I put TLT in Roth and VTI/Cash in 401k, if TLT lose, I may not be eligible to contribute anymore.

[Storm]

Since my company does not offer brokerage window in 401k, I am thinking about build separate assets in different accounts.

But the question is how to rebalance the whole portfolio?

For example, I put TLT in Roth and VTI/Cash in 401k, if TLT lose, I may not be eligible to contribute anymore.

If you are still in the wealth accumulation phase, you can do what I do and buy the lagging assets to help prevent rebalancing as much as possible.  This usually means keeping cash outside of Roth/401k, however (use iBonds, CDs, FDIC insured savings, etc).  I give preference to bonds as much as possible in 401k/IRA and gold/stocks in the taxable accounts.

When you start to reach higher net worth you may not be able to prevent a rebalance, and in that case, you will eventually end up with a little bit of everything in all your accounts.